File format DETAILS RECORD TYPES ABBREVIATIONS (LEGEND) GENERAL REMARKS. Welcome to

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1 Consolidated electronic payment order format for national payments in hrk, national payments in foreign currency, international payments in hrk or foreign currency and personal income payments 1 Applied as of 1 st June 2013

2 CONTENTS: FILE FORMAT 3 DETAILS 3 RECORD TYPES 3 ABBREVIATIONS (LEGEND) 3 GENERAL REMARKS 3 RECORD TYPE CHECKING PROCEDURE FOR THE RECORD TYPE RECORD TYPE CHECKING PROCEDURE FOR THE RECORD TYPE RECORD TYPE CHECKING PROCEDURE FOR THE RECORD TYPE RECORD TYPE CHECKING PROCEDURE FOR THE RECORD TYPE CHANGES COMPARED TO THE CONSOLIDATED ELECTRONIC PAYMENT ORDER FORMAT FOR NATIONAL PAYMENTS IN HRK, NATIONAL PAYMENTS IN FOREIGN CURRENCY, INTERNATIONAL PAYMENTS IN HRK OR FOREIGN CURRENCY AND PERSONAL INCOME PAYMENTS FOR ZAGREBAČKA BANKA d.d. CLIENTS 11 LIST OF PERSONAL INCOME TYPES 13 2

3 File format DETAILS The recommended file name is UNggggmmdd* (*txt, hub3 or VBDI), where ggggmmdd denotes the the date when the file was submitted/sent (must be current date). If a business entity submits/sends more than one file in a single day, a sequential file number should be inserted - UNggggmmdd.nn* (e.g. UN *, UN *) File record format: TEXT ASCII Each file record ends with code sequence CR LF Code page: WIN 1250 Maximum number of record type 309 per file: defined by each bank or by the Financial Agency (Fina) RECORD TYPES A file contains the following record types: Record type 300 general data (label) Record type 301 leading record of a group/block Record type 309 record of a single order of a group/block Record type 399 trailer (final) record ABBREVIATIONS (LEGEND) M Obligatory data O Optional data V Depending on other data N Numeric numeric field, numbers from 0 to 9 C Alphanumeric letters and numbers from 0 to 9 GENERAL REMARKS The record type 300 appears only once as the first record in a file The record type 399 appears only once as the final record in a file All numeric fields are filled in right-aligned and with leading zeros, if the data is shorter than the field length. If the data is unknown, zeros are filled in to the length of the field Textual fields are filled in left-aligned and blanks are inserted to the specified size of the field if the data is shorter than the field length The amount to be entered may take up to 15 characters: a whole number, 13 characters + 2 decimal places (no delimiter). 3

4 RECORD TYPE 300 MARKS FOR THE RECORD TYPE 300 FIELD CODE FIELD DESCRIPTION TYPE FORMAT LENGTH FROM TO OBLIGATORY 1. S300DATSL Date when the file is N 8N M submitted / sent 2. S300VRSTNAL Type of order N 1N M 1 (national payments in HRK) 2 (international payments in HRK or in foreign currency) 3 (national payments in foreign currency) 4 (wages, other regular and temporary incomes) 3. S300IZDOK Document source N 3N O 4. S300NACIZVR Type of execution N 1N V 5. S300OIBPOS OIB of the employer N 11N V (payer of personal income) 6. S300MBRPOS Identification number and N 11N V subnumber of the employer (payer of the personal income) 7. S300INSIFPOS Internal code of the employer N 11N V (payer of the personal income) 8. S300OIBUPL OIB of the entity providing N 11N V cover for personal income 9. S300REZERVA Reserve C 940C O 10. S300TIPSLOG Record type N 3N M 4

5 CHECKING PROCEDURE FOR THE RECORD TYPE 300 FIELD DESCRIPTION CHECKING PROCEDURE FOR THE RECORD TYPE 300 CHECKING PROCEDURE 1. Date when the file is submitted / sent Must be current date in extended format (GGGGMMDD). 2. Type of order It is checked whether 1, 2, 3 or 4 have been entered. 1 (national payments in HRK) 2 (international payments in HRK or in foreign currency) 3 (national payments in foreign currency) 4 (wages, other regular and temporary incomes) 3. Document source It is entered if a file is submitted to Fina branch offices or initiated by Fina e-payment service. If the data has been entered, it is checked whether one of the following allowed values has been inserted: 300 Bank orders for own payments and payments debiting clients accounts 701 Client orders initiated by Fina e-payment service and at Fina branch offices 803 Electronic payment orders initiated by the bank for debiting clients transaction accounts based on Distraint Law 652 Electronic media submitted by the Croatian National Bank and the Ministry of Finance for payments via HSVP 530 Payment orders related to the collection of state duties 502 Payment orders related to public income with special checking procedures 520 Separate processing of payment orders 4. Type of execution It is entered for order type 4. It is checked if one of the allowed codes for type of execution is entered: 1 specification 2 consolidated payment order 5. OIB of the employer It is entered for order type 4. * (payer of personal income) 6. Identification number and subnumber of It is entered for order type 4. * the employer (payer of the personal income) 7. Internal code of the employer It is entered for order type 4. * (payer of the personal income) 8. OIB of the entity providing cover for Obligatory for order type 4. personal income 9. Reserve No need to check. 10. Record type The record type 300 must be entered. * The usage of 2 out of 3 data from the fields 5, 6 and 7, in any combination, is obligatory. 5

6 RECORD TYPE 301 MARKS FOR THE RECORD TYPE 301 FIELD CODE FIELD DESCRIPTION TYPE FORMAT LENGTH FROM TO OBLIGATORY 1. S301IBANPLAT Payer s IBAN C 21C M 2. S301VALPL Payment currency code C 3C M 3. S301RNNAK Account to be charged with C 21C O relevant fee 4. S301VALNAK Fee currency code C 3C O 5. S301BRNALUK Total number of orders in the N 5N M next group (record type 309) 6. S301IZNNALUK Total amount of orders in the N 20N M next group (record type 309) 7. S301DATIZVR Payment order execution date N 8N M 8. S301REZERVA Reserve C 916C O 9. S301TIPSLOG Record type N 3N M 6

7 CHECKING PROCEDURE FOR THE RECORD TYPE 301 FIELD DESCRIPTION CHECKING PROCEDURE FOR THE RECORD TYPE 301 CHECKING PROCEDURE 1. Payer s IBAN It is checked whether the payer s account in IBAN structure is compliant with the ISO standard 13616:1997. Uniquely, for order type 4, type of execution 1, it is allowed to enter IBAN which is assigned to the payer by another bank. 2. Payment currency code It is checked whether letter tab is in the currency codebook; the currencies with the buying and selling exchange rates both for foreign currencies and HRK are checked with regard to the currency codebook. For the order type 1 HRK must be entered. 3. Account to be charged with relevant fee The account is entered if different from the payer s IBAN (from the field S301IBANPLAT). If the field is blank, the account from the field S301IBANPLAT is taken as default. 4. Fee currency code It is checked whether letter tab is in the currency codebook; the currencies with the buying and selling exchange rates both for foreign currencies and HRK are checked with regard to the currency codebook. If the field is blank, it will be regarded that the fee currency is in HRK. 5. Total number of orders in the next group (records 309) 6. Total amount of orders in the next group (records 309) Total number of individual orders (record type 309) belonging to the leading record (record type 301) is checked. Total number of individual orders (record type 309) belonging to the leading record (record type 301) is checked. 20 characters with leading zeroes a whole number of 18 characters + 2 decimal places (no delimiter). 7. Payment order execution date It is checked whether the date is in the extended format GGGGMMDD and whether it is equal to or higher than the current date. Allowed maximum order execution date in line with the Bank s internal rules. 8. Reserve No need to check. 9. Record type The record type 301 must be entered. 7

8 RECORD TYPE 309 MARKS FOR THE RECORD TYPE 309 FIELD CODE FIELD DESCRIPTION TYPE FORMAT LENGTH FROM TO OBLIGATORY 1. S309IBANRNPRIM Payee s IBAN or C 34C M account 2. S309NAZIVPRIM Payee s name C 70C V 3. S309ADRPRIM Payee s address C 35C V 4. S309SJEDPRIM Payee s seat C 35C V 5. S309SFZEMPRIM Code of the payee s N 3N V country 6. S309BRMODPLAT Payer s reference C 4C O number model 7. S309PNBPLAT Payer s reference C 22C O number 8. S309SIFNAM Purpose code C 4C O 9. S309OPISPL Payment details C 140C M 10. S309IZN Amount N 15N M 11. S309BRMODPRIM Payee s reference C 4C O number model 12. S309PNBPRIM Payee s reference C 22C O number 13. S309BICBANPRIM BIC (SWIFT) address C 11C V 14. S309NAZBANPRIM Name of the payee s C 70C V bank 15. S309ADRBNPRIM Address of the payee s C 35C V bank 16. S309SJEDBNPRIM Seat of the payee s C 35C V bank 17. S309SFZEMBNPRIM Code of the payee s N 3N V country 18. S309VRSTAPRIM Type of foreign entity N 1N V 19. S309VALPOKR Payment currency C 3C V 20. S309TROSOP Expenses option N 1N V 21. S309OZNHITN Priority mark N 1N O 22. S309SIFPRIM Type of personal N 3N V income 23. S309REZERVA Reserve C 446C O 24. S309TIPSLOG Record type N 3N M 8

9 CHECKING PROCEDURE FOR THE RECORD TYPE 309 FIELD DESCRIPTION CHECKING PROCEDURE FOR THE RECORD TYPE 309 CHECKING PROCEDURE 1. Payee s IBAN or account It is checked if the payee s account in IBAN structure is compliant with the ISO standard 13616:1997 or NKS account structure VBDI(7)-account number (10) or some other structure (in the case of international payments to the countries that are not using IBAN). If NKS account format is used VBDI (7)-account number (10), data is entered in row, without spaces and special characters. For international payments, the length of IBAN depends on relevant regulations in the payee s country; no more than 34 characters are allowed. Up to the set length, the field is to be filled with blanks. The use of IBAN and NKS account structures is permitted for national payments in HRK until 1st June The use of IBAN is obligatory from this date on. 2. Payee s name Obligatory for order types 2 and 3. No need to check. Alphanumeric entry allowed. 3. Payee s address Obligatory for order type 2. No need to check. Alphanumeric entry allowed. 4. Payee s seat Obligatory for order type 2. No need to check. Alphanumeric entry allowed. 5. Code of the payee s country Obligatory data for order type 2. To be checked according to the country codebook. 6. Payer s reference number model It is checked if HR and a 2-digit model number are entered in line with the Uniform Overview of Basic Reference Number Models. The rules for entering reference number models for orders involving payments to the State Treasury and other public bodies are set forth in the applicable Instruction on the Manner of Depositing Budget Income, Compulsory Contributions and Income for Financing Other Public Needs. 7. Payer s reference number It is checked if the reference number entered is in line with the model number. Up to 22 characters are allowed, including dashes. If entered, it may not start with blanks. 8. Purpose code It is checked if the payment purpose code has been entered in line with the ISO standard Payment details Free entry, the field must not be blank. The following characters may be used: spaces, numbers, letters and certain special symbols (-.,/). 10. Amount It is checked for numbers with leading zeros. Up to 15 characters are allowed a whole number of 13 characters + 2 decimal places (no delimiter). 11. Payee s reference number model It is checked if HR and the model number of two digits are entered in line with the Uniform Overview of Basic Reference Number Models. The rules for entering reference number models for orders involving payments to the State Treasury and other public bodies are set forth in the applicable Instruction on the Manner of Depositing Budget Income, Compulsory Contributions and Income for Financing Other Public Needs. 12. Payee s reference number It is checked if the reference number entered is in line with the model number. Up to 22 characters are allowed, including dashes. 13. BIC (SWIFT) address It is checked if it is entered in the Register of Banks. To be used only on international payment orders (order type 2). 14. Name of the payee s bank Obligatory if BIC (SWIFT) address has not been entered. To be used only on international payment orders (order type 2). 9

10 15. Address of the payee s bank Obligatory if BIC (SWIFT) address has not been entered. To be used only on international payment orders (order type 2). 16. Seat of the payee s bank Obligatory if BIC (SWIFT) address has not been entered. To be used only on international payment orders (order type 2). 17. Code of the country of the payee s bank It is checked in the country codebook. Must be filled in for order type Type of foreign entity It is checked if one of the allowed codes for the type of foreign entity has been entered (1 legal entity, 2 natural person). Must be filled in for order type Payment currency It is checked whether letter tab is in the currency codebook; currencies whose exchange rate list has the selling and buying rates for both foreign currencies and HRK. To be used for order types 2 and 3 when the funds are ensured in a currency different from the payment currency stated in the field S301VALPL. 20. Expenses option It is checked if one of the permitted expenses options has been entered: 1 payer to pay all charges (OUR), 2 payee to pay all charges (BEN), 3 split charges (SHA) Must be filled in for order type 2. For order type 1, default value is 3 (SHA); for order type 3 - if the field is left blank, the charge option defaults to 3 (SHA). 21. Priority mark It is checked if one of the allowed ways of payment order execution is entered (0 standard payment, 1 urgent payment); if not filled in, the order is executed as standard. Allowed for order types 1, 2 and Type of personal income It is checked if one of the allowed codes for the type of personal income has been entered. Must be filled in for order type Reserve No need to check. 24. Record type Record type 309 to be entered. 10

11 RECORD TYPE 399 FIELD CODE FIELD DESCRIPTION MARKS FOR THE RECORD TYPE 399 TYPE FORMAT LENGTH FROM TO OBLIGATORY 1. S399REZERVA Reserve C 997C O 2. S399PTIPSLOG Record type N 3N M CHECKING PROCEDURE FOR THE RECORD TYPE 399 FIELD DESCRIPTION CHECKING PROCEDURE FOR THE RECORD TYPE 399 CHECKING PROCEDURE 1. Reserve No need to check 2. Record type Record type 399 to be entered Changes compared to the Consolidated electronic payment order format for national payments in hrk, national payments in foreign currency, international payments in hrk or foreign currency and personal income payments for Zagrebačka banka d.d. clients Maximum number of 309 type records per file sent via e-zaba business banking is 1,000 handed in at Bank s branch office on a medium is 9,999 In the RECORD TYPE 301 fields under ordinal numbers 3 S301RNNAK and 4 S301VALNAK are not used MARKS FOR THE RECORD TYPE 301 FIELD CODE FIELD DESCRIPTION TYPE FORMAT LENGTH FROM TO OBLIGATORY 3. S301RNNAK Account to be charged C 21C O with relevant fee 4. S301VALNAK Fee currency code C 3C O In the RECORD TYPE 300 for order type 4 (wages, other regular and temporary incomes) the use of fields under ordinal numbers 5 S300OIBPOS, 6 S300MBRPOS i 8 S300OIBUPL is mandatory The field under ordinal number 7 S300INSIFPOS is not used 11

12 MARKS FOR THE RECORD TYPE 300 FIELD CODE FIELD DESCRIPTION TYPE FORMAT LENGTH FROM TO OBLIGATORY 5. S300OIBPOS OIB of the employer (payer of personal income) 6. S300MBRPOS Identification number and subnumber of the employer (payer of the personal income) 7. S300INSIFPOS Internal code of the employer (payer of the personal income) 8. S300OIBUPL OIB of the entity providing cover for personal income N 11N M N 11N M N 11N V N 11N M RECORD TYPE 300, order type 4 (wages, other regular and temporary incomes) Type of execution Payment orders for wages and other personal incomes can be executed in two ways: 1). As a specification (type of execution 1) which is sent to the Bank using one of the contracted manners and which is witheld until the payment (cover) has been received through some of the internal channels of the Bank or from some other bank (via NKS/HSVP) 2.) As a consolidated payment (type of execution 2) which is at the same time a payment order (cover) and a specification. At the defined execution date, the Bank debits the transaction account of the employer (payer) in one amount and credits the transaction accounts of individuals within the Bank. Use of type of execution 2 consolidated payment is allowed solely when the file is sent to the Bank by e-zaba business banking. If the file is sent to the Bank via Internet or if it is submitted in the Bank s branch office, the type of execution 1 specification must be entered in the file. 12

13 LIST OF PERSONAL INCOME TYPES Code Type of perosnal income 100 Wage paid in full 110 Partial payment of wage 120 Wage reduced by protected part 130 Temporary service contract 140 Work-and-study scheme 150 Dividend pay-off 160 Allowance for members of Management Boards, Assemblies, Supervisory Boards 170 Income from renting tourist facilities 180 Rent 190 Travel allowance 200 Business trip 210 Field allowance 220 Separation allowance 230 Sick pay 240 Car allowance 250 Overtime allowance, bonuses, incentive payments, other awards 260 Vacation bonus 270 Christmas/Easter bonus 280 Gift for children 290 Scholarships, students' grant for equipment, books etc. 300 Grant for marriage, grant in case of death of employee or employee's family member 310 Birth grant 320 Severance pay 399 Other personal income 13 June 2013